NotchUp Blog — Financial Tips for Canadians
-
Newcomer Earnings and Poverty in Canada 2026
In 2024, 17.3% of immigrants who landed in the previous five years lived below Canada’s official poverty line, twice the 8.7% rate for people born here. First-year pay varies widely…
-
Newcomer Earnings and Poverty in Canada 2026
In 2024, 17.3% of immigrants who landed in the previous five years lived below Canada’s official poverty line, twice the…
-
Gig Work in Canada 2026: How Many Canadians Do Platform Work
667,000 Canadians did paid platform work in the 12 months to December 2025, flat on a year earlier. The apparent…
-
CRA Benefit Clawbacks in Canada 2026: CCB, GST Credit and Overpayments
The federal government now expects to collect $2.0 billion of the $12.0 billion in COVID benefit overpayments on its books…
-
Canadian Insolvency Statistics 2026: Filings by Province
Canadians filed 145,681 consumer insolvencies in the 12 months to July 2026, up 5.4% from 138,204 a year earlier (Office…
-
The Rent Gap: What Canada’s 2026 Paycheque Calendar Does to Your Month
On the 1st of the month, a biweekly earner in Canada is anywhere from 1 to 17 days past their…
-
The APR Illusion: What Short-Term Money Really Costs in Canada
The same $42 fee on a $300 payday loan is 730% APR when the loan runs 7 days and 82%…
-
What Actually Leaks in a Data Breach: 1,009 Breaches, Analyzed
Email addresses leak in 99.3% of data breaches, passwords in 65.7%, and an unchangeable identity number such as a SIN,…
-
The Minimum Payment Map: What 2%, 3% and 5% Minimums Really Cost Canadians
At 19.99%, a $5,000 credit card balance takes 66 years to clear at a 2% minimum payment, 21 years at…
-
How Much Credit Card Debt Do Canadians Actually Have? (2026)
Canadians owed $134.2 billion on their credit cards at the end of June 2026, and the average balance per cardholder…
-
How to Pay Off Credit Card Debt on a Low Income in Canada
If most of your paycheque is spoken for before the card statement arrives, you already know the shape of the…